Activities / What code does / Makes high-risk automated decisions
Makes insurance decisions
insurance_decisions
Your app makes or scores decisions about a person's insurance, such as eligibility, a price or a claim.
- scope code
- in the registry since 1.4
- 6 laws in 6 jurisdictions name it
What triggers it
The lint's definition. It makes or scores decisions about a person's insurance: eligibility, underwriting, risk assessment, pricing or a claim.
This covers an underwriting model, a pricing engine that sets a person's premium and a claims model that denies or reduces a claim, whoever runs it.
It implies Makes high-risk automated decisions, so the rules written for every such decision reach it too.
What does not
A comparison site that only ranks published prices does not count.
Often confused with Is an insurer and Makes high-risk automated decisions.
The law it brings into scope
The kinds of law that name this activity in the LexLint law library, with the number of laws and jurisdictions in each, as of . The examples are chosen by rule, laws in force first and the widest jurisdiction first; each section's page lists every law.
| Area of law | Laws | Jurisdictions |
|---|---|---|
|
AI law
Tell people when they are dealing with an AI system or its output, and control the uses the law calls high-risk.
|
5 | 5 |
|
Privacy law
Have a legal basis for personal data, honor people's rights over it, and report a breach. |
1 | 1 |
This activity implies Makes high-risk automated decisions, so every law that names that activity reaches it too. These areas of law reach it only that way:
- Cybersecurity law:
91 laws in
67 jurisdictions,
through Makes high-risk automated decisions
Build software securely, handle reported flaws, and report incidents on a deadline.
- Product and AI liability law:
24 laws in
22 jurisdictions,
through Makes high-risk automated decisions
Answer in damages when defective software or an AI system causes harm.
The law written for insurance decisions
Every law in the LexLint law library written for insurance decisions, by jurisdiction, each country before its states and cities, as of . The domain tags are our reading of each law's scope, not the publisher's.
| Jurisdiction | Law |
|---|---|
 Estonia |
|
 Colorado |
|
 Georgia |
|
 Indiana |
|
 Missouri |
|
 Nebraska |
Every law that names Makes high-risk automated decisions reaches insurance decisions too, because it covers automated decisions of every kind: 587 laws in 204 jurisdictions. 199 of those jurisdictions have no law written for insurance decisions.
Counterparties that usually come with it
- an insurer or insurance producer
- the vendor of a pricing model
A component that cannot run as documented without one of these names
it in its ACTIVITIES.md under talks_to, with
required: true. That party's jurisdiction then joins the
run of every product that uses the component, and the finding says
why it is there. A default the deployer can change is asked about,
never added. Talking to a party never makes a product that party.
In a declaration
A library or framework that makes this possible enables
it; an application whose shipped code does it performs it.
For a library
For an application
History
In the registry since version 1.4, .
Added for Downcoding of Health Benefits Claims, automated and AI decision-making (House Enrolled Act 1271, 2026) (Indiana), the law that turns on it.
In the glossary: Makes insurance decisions.
The activity registry is LexLint's open list; this page's text is licensed under Creative Commons Attribution 4.0.